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HBAN vs PNC
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. PNC Financial Services Group (PNC) Stock Comparison
Key Takeaways
- Huntington Bancshares (HBAN) and PNC Financial Services Group (PNC) are both major U.S. bank holding companies, with PNC operating at significantly larger scale in assets and market capitalization.
- In recent market activity, PNC shares have shown stronger momentum following its second-quarter 2026 earnings release, which included an adjusted EPS beat and an announced 18% dividend increase.
- HBAN, a regional bank with approximately $285 billion in assets, is scheduled to report its second-quarter 2026 results on July 23, 2026, following solid first-quarter loan and deposit growth.
- PNC maintains a broader national footprint and diversified revenue streams, while HBAN focuses more on Midwest and Southeast regional markets with emphasis on commercial and consumer banking.
- Both institutions report strong capital positions, with PNC highlighting continued deposit growth expectations and stable credit quality in its latest update.
- Market sentiment has favored PNC in the past month amid analyst upgrades, whereas HBAN performance has been steadier but less pronounced ahead of its earnings release.
Introduction
Investors and traders frequently compare regional and super-regional banks like Huntington Bancshares (HBAN) and PNC Financial Services Group (PNC) to assess relative value, growth potential, and risk profiles within the financial sector. These stocks appeal to those seeking exposure to U.S. banking trends, including net interest income dynamics, deposit competition, and regulatory capital requirements. A side-by-side review helps clarify differences in scale, geographic focus, and recent operational momentum, providing context for portfolio allocation decisions in the current environment of moderating interest rates and steady economic growth.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated operates as a regional bank holding company headquartered in Columbus, Ohio, with total assets near $285 billion. The company provides commercial, consumer, and wealth management services primarily across the Midwest and Southeast. In recent weeks, HBAN shares have traded in a relatively narrow range near $18.25, reflecting measured investor positioning ahead of the July 23, 2026, second-quarter earnings release. First-quarter results demonstrated robust loan and deposit expansion alongside disciplined credit management, supporting a constructive backdrop. Sentiment remains influenced by expectations for sustained organic growth and capital return initiatives, including an authorized share repurchase program.
PNC Overview and Recent Performance
The PNC Financial Services Group, Inc. is a larger super-regional bank holding company with headquarters in Pittsburgh and a nationwide presence. Its diversified operations span retail banking, corporate and institutional services, and asset management. Recent market activity has been positive, with shares advancing following the mid-July 2026 second-quarter earnings report that featured an adjusted EPS beat and revenue growth. PNC announced plans for an 18% quarterly dividend increase to $2.00 per share, subject to board approval. Analysts have issued multiple upward price target revisions in response, underscoring improved visibility into deposit trends and credit stability through the second half of the year.
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Head-to-Head Comparison
Huntington Bancshares (HBAN) and PNC Financial Services Group (PNC) differ markedly in scale, with PNC commanding substantially larger assets under management and a wider geographic reach. PNC’s diversified revenue base provides greater insulation from regional economic fluctuations, while HBAN’s concentrated Midwest and Southeast exposure offers higher sensitivity to local commercial lending cycles. Recent momentum has tilted toward PNC following its earnings beat and dividend hike, whereas HBAN’s trajectory depends more on the upcoming quarterly update. Risk factors for both include interest-rate sensitivity and credit costs, though PNC’s larger capital buffer and broader franchise may afford marginally better positioning in stress scenarios. Sector exposure remains similar as traditional banks, yet market sentiment has reflected greater near-term optimism for PNC’s growth trajectory.
Tickeron AI Verdict
Based on observable factors including recent earnings momentum, dividend policy clarity, and analyst revisions, Tickeron’s AI models currently assign a modestly higher probabilistic preference to PNC Financial Services Group (PNC) over Huntington Bancshares (HBAN). PNC’s demonstrated earnings beat, forward revenue guidance, and capital return actions provide stronger trend consistency and near-term catalysts. HBAN’s positioning remains solid ahead of its earnings release but carries greater event-driven uncertainty. This assessment reflects relative data patterns rather than absolute forecasts.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HBAN is a Hold and PNC is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HBAN’s FA Score shows that 2 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s).
- HBAN’s FA Score: 2 green, 3 red.
- PNC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HBAN’s TA Score shows that 3 TA indicator(s) are bullish while PNC’s TA Score has 3 bullish TA indicator(s).
- HBAN’s TA Score: 3 bullish, 6 bearish.
- PNC’s TA Score: 3 bullish, 5 bearish.
Price Growth
HBAN (@Regional Banks) experienced а -4.88% price change this week, while PNC (@Regional Banks) price change was +0.05% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.57%. For the same industry, the average monthly price growth was +2.43%, and the average quarterly price growth was +14.08%.
Reported Earning Dates
HBAN is expected to report earnings on Oct 22, 2026.
PNC is expected to report earnings on Oct 15, 2026.
Industries' Descriptions
@Regional Banks (-0.57% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| HBAN | PNC | HBAN / PNC | |
| Capitalization | 35.1B | 100B | 35% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 1.988 | 23.073 | 9% |
| P/E Ratio | 13.35 | 13.82 | 97% |
| Revenue | 8.78B | 23.8B | 37% |
| Total Cash | 2.1B | 5.65B | 37% |
| Total Debt | 23.5B | 66.7B | 35% |
HBAN | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 36 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 32 Undervalued | 60 Fair valued | |
PROFIT vs RISK RATING 1..100 | 53 | 49 | |
SMR RATING 1..100 | 9 | 6 | |
PRICE GROWTH RATING 1..100 | 50 | 16 | |
P/E GROWTH RATING 1..100 | 41 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HBAN's Valuation (32) in the Regional Banks industry is in the same range as PNC (60) in the Major Banks industry. This means that HBAN’s stock grew similarly to PNC’s over the last 12 months.
PNC's Profit vs Risk Rating (49) in the Major Banks industry is in the same range as HBAN (53) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
PNC's SMR Rating (6) in the Major Banks industry is in the same range as HBAN (9) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
PNC's Price Growth Rating (16) in the Major Banks industry is somewhat better than the same rating for HBAN (50) in the Regional Banks industry. This means that PNC’s stock grew somewhat faster than HBAN’s over the last 12 months.
HBAN's P/E Growth Rating (41) in the Regional Banks industry is in the same range as PNC (45) in the Major Banks industry. This means that HBAN’s stock grew similarly to PNC’s over the last 12 months.
| HBAN | PNC | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 72% | 3 days ago 60% |
| Stochastic ODDS (%) | 3 days ago 58% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 62% | 3 days ago 71% |
| MACD ODDS (%) | 3 days ago 67% | 3 days ago 55% |
| TrendWeek ODDS (%) | 3 days ago 61% | 3 days ago 58% |
| TrendMonth ODDS (%) | 3 days ago 55% | 3 days ago 53% |
| Advances ODDS (%) | 5 days ago 64% | 5 days ago 58% |
| Declines ODDS (%) | 3 days ago 59% | 7 days ago 60% |
| BollingerBands ODDS (%) | 3 days ago 66% | 3 days ago 72% |
| Aroon ODDS (%) | 3 days ago 53% | 3 days ago 46% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.
| Ticker / NAME | Correlation To PNC | 1D Price Change % | ||
|---|---|---|---|---|
| PNC | 100% | +0.69% | ||
| USB - PNC | 87% Closely correlated | +1.01% | ||
| KEY - PNC | 85% Closely correlated | -0.31% | ||
| MTB - PNC | 85% Closely correlated | +1.48% | ||
| FITB - PNC | 85% Closely correlated | +0.45% | ||
| HBAN - PNC | 85% Closely correlated | -0.23% | ||
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